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Risk Thermometer

Home  » Financial Planning  » Investment Planning  » Risk Thermometer
1   The age group I belong to is:
  a 21 - 30 Years
  b 31 - 35 Years
  c 35 - 45 Years
  d 45 - 55 Years
  e Above 55 Years
     
2   I have:
  a More Then 3 dependents
  b 1-3 dependents
  c No dependents
     
3   Which statement best describes your approach as an investor?
  a I am very cautious about taking risks, and I want to avoid losses.
  b I am somewhat cautious about taking risks, and I can handle       relatively small losses.
  c I can take some risks that are generally associated with greater      account growth potential but i wish to minimize short-term losses      in my account.
  d I am open to taking risks for growth potential. I am less       concerned about short-term (less than one year) losses or gains; I       am more interested in long-term growth..
  e I am risk taker and want to maximize the growth of my account      over the next decade or longer. I am not concerned about      short-term losses.
     
4   When is your next big spending due/expected?
  a Less than 1 year
  b Between 1 year – 3 years
  c Between 3 years – 5 years
  d More than 5 years
     
5   Do you have an emergency fund set aside to meet any unexpected requirement?
  a No, I do not have any money for emergencies.
  b I have enough to meet one month's expenses.
  c I have enough to meet two to three months' expenses.
  d I have enough to meet four to six months' expenses.
  e I have more than six month's worth.
     
6   You receive an unexpected bonus equivalent to three months'salary,Will you:
  a Put it in a bank deposit at 5% guaranteed return?
  b Invest it in an instrument which gives a return in the range of  4       -7%.
  c Invest it in an instrument that gives a return of around 15% p.a.      with a downside 3 risk of 10%.
     
7   How often do you monitor your investments?
  a Daily or Weekly
  b Monthly
  c Occasionally
     
8   When you make an investment decision, you
  a Decide on gut feel.
  b Seek advice from friends and well-wishers.
  c Rely on your investment advisor.
  d Analyze all options thoroughly.
     
9   Investments with higher short-term volatility are more likely to have a greater chance of meeting long-term goals. Conversely, investments likely to provide stable returns and minimum short-term losses are less likely to meet long-term investment goals. With this in mind, which of the following is most consistent with your investment attitude.
  a Avoiding short-term losses is more important to me than meeting       long-term goals.
  b I am equally concerned about avoiding short-term losses as well       as meeting long-term goals.
  c I am willing to bear short-term fluctuations to maximize the       chance of meeting my long-term goals.
     
10   The chart below shows possible growth of Rs. 100 over a five-year period for a series of different investment strategies. Which of the five scenarios are you most comfortable with as an investor?
  a 130 to 160
  b 110 to 176
  c 90 to 200
  d 77 to 250
  e 59 to 280
     
11   What percentage (%) of your portfolio is allocated to Equtiy currently
  a No investment in Equity
  b Upto 10%
  c Between 10% to 30%
  d Between 30% to 60%
  e More than 60%

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